Laredo, TX
Insurance for Laredo, TX cafes
County coffee shop data, commuter patterns, and what insurers ask Laredo cafes. A quote is not a binder.
County Business Patterns lists 52 employer coffee shops and snack bars in Webb County for 2023, employing 536 people. That is the competitive field for a cafe opening in Laredo, a city of about 261,260.
Cafes, bakeries, and roasters in Webb County
| Census CBP 2023 | Webb County | Texas |
|---|---|---|
| Coffee shops and snack bars | 52 | 7,538 |
| Employees | 536 | 77,746 |
| With 1–4 employees | 23 | 2,988 |
| Retail bakeries | 16 | 699 |
County Business Patterns 2023, NAICS 722515 (snack and nonalcoholic beverage bars), 311811, 445299, 311920. Employer establishments only.
About 536 people worked at Webb County's coffee shops and snack bars in 2023, earning roughly $18,116 each in payroll. Tips are not in that number, and neither are owners who work the bar themselves.
Webb County also counts 16 retail bakeries (Census, 2023). Local roasters and bakeries are a cafe's suppliers and, sometimes, its competition.
Who walks through a Laredo cafe door
Solo drivers make up 79% of Laredo commuters, while 30% get to work in under 15 minutes. Short commutes mean customers who stop in on foot or park briefly, so curb, entrance, and parking lot conditions matter.
Public transit carries 0.7% of Laredo's workers (Texas: 0.9%). With few transit riders, foot traffic depends more on parking and visibility from the road.
6% of Laredo workers work from home (Texas: 14%). Remote workers become midday regulars with laptops, so Wi-Fi security and card-data protection matter more than many owners expect.
Three-plus-vehicle households make up 7% of Laredo. Households with no car: 7%. Each number says something about whether Laredo customers arrive on foot or behind the wheel.
With 15% of its 84,111.0 housing units in larger apartment buildings, Laredo leans toward car-oriented retail, where drive-through and strip-center cafes do well.
The median Laredo home dates to 1997. Newer retail centers generally have modern plumbing and electrical, but leases there often carry detailed insurance requirements.
City data: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter, plus B08303 and B25044. Population: U.S. Census Bureau Vintage 2024 city population estimates.
In May 2025, BLS counted 460,530 counter workers and 16,710 bakers on Texas payrolls, with counter workers at a median $27,740. Many cafe owners also work the bar and are not counted.
Texas employs 137,930 first-line food service supervisors at a median $36,480 (BLS). In a Laredo cafe, the shift lead is often the person who decides how a spill or a burn is handled in the first minutes.
Habits that protect Laredo cafes
- Put non-slip mats at the entrance and behind the bar.
- Keep self-serve hot water out of children's reach.
- Purge and wipe steam wands between dairy and plant milks.
- Separate guest Wi-Fi from your point-of-sale network.
Owners in Laredo planning to roast or bake should review in-house roasting and allergens and labeling.
Around Laredo
Houston (Harris County) has 1,224 coffee shops and snack bars countywide. San Antonio (Bexar County) has 447 coffee shops and snack bars countywide. Of our 30 Texas city pages, Laredo places 12th for share of transit commuters.
Getting ready for a Laredo cafe quote
- Claims history: Any prior claims
- Alcohol: Beer, wine, or coffee cocktails
- Window: Drive-through or walk-up window
- Kitchen: Baking, cooking, hood, or roasting
- Events: Music, classes, rentals, catering
- Seating: Seats, patio, and square footage
Laredo cafe insurance FAQ
Which policies do Laredo cafes carry?
Liability, property, business income, equipment breakdown, spoilage, and workers' comp for staff.
How many coffee shops are in Webb County?
County Business Patterns counted 52 snack and nonalcoholic beverage bars with employees in Webb County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Laredo cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Texas cities
Cafe insurance in Texas · Coverage
Last updated October 15, 2026 · How we research